Home Insurance in Guyton, Georgia
The median home value in Guyton is $225,800, 18% lower than the Effingham County median.
The typical home in Guyton was built around 2007. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 8% of homes were built before 1960, about 3 points above Effingham County's 5%.
In Guyton, the housing stock is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
76% of owner-occupied homes in Guyton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Guyton are owner-occupied.
In Guyton, 95% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Guyton? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Effingham County and Effingham County had 717 active NFIP flood policies as of September 2026. See the full Effingham County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $225,800 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Effingham County | 717 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)